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Egg have started charging me payment protection out of the blue!!!
Hello I would like to know if anyone has experienced the same thing. I have recently got my egg card balance to zero and I have been asking egg to close my account for some months; last month a 50p “minimum finance charge” appeared on my account… I thought this was a bit off but paid it anyway. This month I have been…
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Direct Debit
Can someone please clarify the rules of direct debit for me please? I have a virgin credit card and it appears that i missed a DD payment sometime ago without realising. Virgin (mbna) have been charging me a late fee and interest ever since. I don't use the card and have a DD set up for the minimum amount required. As i…
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How Long Between Credit Cards?
Just reached the end of my Tesco Credit Card 0% on purchases time limit, so have paid off the balance and canceled the card today. I next wish to apply for the M&S card with 15 months 0% on purchases. Can anybody tell me how long it takes credit reference agencies like Experion to update their records. I mean how long will…
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Capital one credit card
Hi there folks, Just a quick question. I have a credit card with capital one and was looking to pay the balance. I have asked them(maybe rather cheekily), to knock off the charges that have been on the account over the last 6 months, there have been reasons why I put it to the side, and they were rather rude etc and said…
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The Great Credit File Cleanup
Ok so... some of you guys have given me a little advice in recent months which has served me well. The nasties on my credit file were: 3 defaults 1 arrangement to pay 2 late accounts. As of today, I have successfully removed the defaults (1 was way out of date, 1 was wrong and the other hadn't followed default procedure…
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best credit card for USA?
I was wondering if anyone could recommend the best credit card to take to the USA . ty
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Credit Card Dilemma
I have around £4000 on a barclaycard, so my replayments are £98 per month, fair enough but I cant afford to pay them anymore. So I called barclaycard who said they could put me on a 6 month replayment plan and only pay £50 a month and check my situation at the end of the 6 months. This sounds good apart from the fact they…
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Stung by Thomson's travel
Just a warning to anyone booking a holiday online with Thomsons. Maybe everyone isn't the innocent I am but when I got to the pay page for a holiday I recently booked with Thomsons, I did see that there was a charge for paying by credit card. Ever aware that one has a measure of protection if paying for holidays by credit…
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Credit card without cash advance
Does anyone know of a credit card that doen't allow cash advances?
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conned?
I applied for, and got, a Barclaycard 0% balance transfer, and set up my direct debit the same day. I work away from home, so haven't seen the statement, but they have phoned me and said I missed the first payment. I explained that I'd set up the direct debit, but they said they had 4 - 6 weeks to process it, and they…
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Payment Arrangement with CC will it affect my credit score?
Hi First post so please bear with me! In summer of 2010 I was struggling with cc repayments to Lloyds as I had not had steady work and was earning less so I called them and they put me on reduced payments for 6 months. After 6 months I was still not quite back on track so they let me do it for another 6 months, this will…
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Egg Card/Barclaycard
Hi, I have an Egg Credit Card 0% BT to end soon, as Barclaycard are buying Egg, can I still apply for Barclaycard? Thanks:rotfl:
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3 card dilemma - Which to pay?
Hello to you all, I am asking a question on behalf of a friend as I am unable to advise what he should do. The story is as follows - he has 3 credit cards: 1) Bank of Ireland Mastercard - APR 16.9% Credit limit £3,000 Current balance £2,900 2) Barclaycard Platinum - APR 24.9% Credit limit £3,000 Current balance £2,000…
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Can't get credit anywhere
Hi My gf is having a real problem in that noone anywhere will give her credit. She is from France and has been self employed for about 6 months with a steady income. She has moved around a lot in the 4 years she's been in England which isn't helping her credit record. She really needs a mobile phone for her job to get…
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Section 75 - claim getting nowhere - advise please
Hi Have a S75 claim in with MBNA against a merchant (retailer) from whom goods were purchased (but never collected and are still in fact with the merchant) but it turns out I had been wrongly advised by the merchant and the goods were unfit for purpose. Merchant refused to issue refund claiming it was a "change of mind".…
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Partial balance transfer??
I'm trying to sort out the mess that is my finances!! I have 5 (satisfied) defaults on my file, and the last one drops off in April next year. I would very much like to have a good report when these drop off. I have 3 CCs at the moment: Cap 1, classic: Limit £800, Balance £600 Vanquis: Limit £2500, Balance £2200 (:eek:…
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First Credit Card
Hi. My daughter want to apply for her first credit card as she has no credit rating. She intends to pay the balance off each month. Which is the best card for her. She is 21.
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Trying to improve my credit
I did do a forum search, but didn't know what to put in. "improve", "credit", "statement" etc didn't turn up what I'd like to know. So I apologise if this is about somewhere. I recently wanted to book a holiday, but the limit on my card wasn't high enough to book my hotel. I tried to increase it but no luck. I figured I…
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Equifax
Does Anyone have a number for equifax? i would like to cancel. Thanks Janette xx
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CITI financial debt recovery!!???
Good morning, This is my first post so please forgive me if this is in the wrong area!! Could anyone help/ offer some advice on the following? I received a letter yesterday from CITI financial stating that my account had been sold to Cabot finance for the assignment of a debt due on the account which also had a letter from…
